I recieved a letter yesterday indicating that Orchard Bank closed my account - the reason - it was paid off and I hadn't used it. So after all of the hard work to pay down my credit cards I'm losing credit because I'm not using the cards. They clearly only want customers they can charge high interest rates and annual fees to. When I called to express my frustration they offered to allow me to apply for a new credit card. Not a chance. I'll take my busienss to someone who values customers. Don't use this company - it's not worth building credit with them only to have it taken away once you're managing your credit wisley.